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Our story so far with Precise. LTV 75%. Combined income 52K. Mortgage 127000. 2 defaults on my account dating 3 and 2 months years old and 5 years old. Clean sheet with no missed payments for 3 years. Only debt 8.5k loan from my husband. AIP obtained and passed all affordability.

Full application submitted through a broker on 30/9/16.

Full credit checks done and valuation fee taken the same day.

On the 7/10/16 precise refunded our valuation and declined our application due to a recent default.

After talking to our broker and explaining there definitely was no default they asked for copies for both myself and husband. They agreed after looking through them that the last default registered was over 3 years ago and settled. They plan to appeal the decision.

Is it likely if they've made a mistake that this would turn it around in our favour. Absolutley devastated that we could lose the house we want so much over an error.

The creditors were capital one in 2011 and Lloyd's bank in 2013. No other late payments. My history is clean for 3 years. My husbands has nrver been an issue. Our broker said he had tried with halifax and we're declined an AIP.